Follow these steps to complete the PSLF Employment Certification Form.
Step 1: Check the types of loans you borrowed. Although the White House temporarily eliminated many of the complex eligibility rules, you still need to have Direct Loans to qualify for PSLF. Check studentaid.gov to see if you have Federal Family Education Loans or Federal Perkins Loans. If you do, you’ll need to submit a consolidation online by Oct. 31, 2022, to beat the deadline. Read more about how to Consolidate Student Loans for PSLF.
Step 2: Use the PSLF Help Tool to apply. You can also download the PSLF application at the Federal Student Aid website, studentaid.gov. If you use a paper application, make sure your qualifying employers sign the PSLF Forms by Oct. 31, 2022. According to the Education Department, you’ll qualify for the waiver if the forms are signed before the deadline lapses.
Step 3: Complete the employer information. Either you or your employer can complete Section 3 of the application. If you’ve worked for more than one qualifying employer since Oct. 2007, then you’ll need to submit separate applications for each job.
How can I check if I worked for a qualifying employer? You can use PSLF Help Tool to search the employer database using the employer’s identification number from your W2.
What if the company is no longer in business, or you have trouble finding someone to sign the form? Complete Section 3 and then go back to Section 2 and mark the box at the bottom of page 1. The Education Department will help you try to certify your employment. Read more about qualifying employers for PSLF.
Step 4: Submit the application to the student loan servicer. Until this year, FedLoan Servicing held an exclusive contract with the U.S. Department of Education to service all loans enrolled in the public service program. The department hired MOHELA to replace FedLoan as the program’s administrator after the company announced it was ending its contract with the government at the end of 2022. If you haven’t confirmed your PSLF eligibility, send the certification form to MOHELA for processing.
If you had to consolidate, wait until the consolidation is finished before submitting the PSLF Form to MOHELA.